Merchant Risk Management with Agentic AI on Databricks

Move from reactive fraud controls to predictive, intelligent merchant risk management using Agentic AI on the Databricks Data Intelligence Platform, improving detection accuracy, reducing false positives and strengthening compliance at scale.

Get Started

Digital payments and online banking are scaling globally, but this growth brings with it a new set of challenges. It exposes financial institutions and payments to fraud, regulatory scrutiny and reputational risk. Traditional merchant risk systems rely on after-the-fact controls that struggle to keep pace with modern digital commerce.

Persistent and Databricks help organizations shift to a predict-and-prevent model using Agentic AI, enabling real-time intelligence, coordinated risk decisions and scalable governance across the merchant lifecycle. Built on the Databricks Data Intelligence platform, the solution uses AI and advanced analytics to assess merchant risk in real-time, resulting in stronger merchant oversight, improved fraud detection, reduced manual effort and lower operational costs.

From Reactive Controls to Predictive Intelligence with Agentic AI

Struggling with delayed fraud detection, siloed risk signals and high false positives? Our Agentic AI-powered merchant risk solution enables real-time risk anticipation, intelligent orchestration and seamless merchant experiences.

Key Benefits:

Early Risk Detection

Anticipate emerging risk patterns before they materialize using real-time and historical intelligence across merchant signals, resulting in 20%-40% reduction in chargeback and fraud-related losses.

Reduced False Positives

30%-60% improvement in fraud detection accuracy while minimizing friction for genuine merchants and reducing manual review overhead.

End-to-End Risk Orchestration

Coordinate onboarding, fraud, compliance and dispute decisions through specialized Agentic AI systems working together.

Operational Efficiency at Scale

Reduce manual review effort by 50–70% through automated, intelligence driven risk decisioning, enabling risk teams to focus on high-value investigations, complex cases and proactive oversight instead of routine reviews.

Real-Time & Historical Intelligence

Stream and analyze merchant, transaction and behavioral data on Databricks Lakehouse for continuous learning.

Explainable & Auditable Decisions

Ensure transparency and regulatory alignment with human-in-the-loop governance, explainable AI and audit trails.

Scalable Risk Operations

Decrease in overall risk management costs by 10%-20% through automation and intelligent decisioning, allowing you to scale merchant risk management without linear cost increases.

Ignite Your Databricks Risk AI Journey with Persistent

AI-First Risk Engineering Expertise

Deep experience designing and operationalizing enterprise-grade Agentic AI systems for financial services risk.

Healthcare: AI-Powered Knowledge Access & Claims Automation

Strong Databricks Partnership

Certified Databricks partner delivering scalable, governed data foundations for real-time intelligence.

End-to-End Implementation Services

From architecture design to production rollout, Persistent delivers explainable, enterprise-ready risk platforms.

Risk as a Growth Enabler

Transform risk management from a defensive function into a strategic enabler of merchant growth and platform trust.

Re(AI)magine Merchant Risk with Predictive Intelligence on Databricks

Talk to an Expert

FAQs

Merchant risk management with Agentic AI on Databricks is a predictive, AI-driven approach that helps organizations identify, assess and mitigate merchant risk in real time. Combining Agentic AI with the Databricks Data Intelligence Platform enables proactive risk detection, coordinated decisioning and scalable governance across the entire merchant lifecycle.

Agentic AI continuously analyzes real-time and historical merchant signals, enabling proactive risk prevention, faster decisions and significantly fewer false positives than traditional rule-based systems.

By combining explainable AI with contextual, multi-signal analysis, the solution improves detection accuracy while minimizing friction for legitimate merchants and reducing the need for manual reviews.

Databricks enables scalable, real-time analytics and continuous learning on a unified data platform, supporting high-volume merchant risk operations efficiently. This allows organizations to scale merchant risk operations efficiently without linear increases in cost or operational complexity.

Persistent brings deep AI-first risk engineering expertise and a strong Databricks partnership to deliver enterprise-ready, explainable merchant risk platforms. From architecture design to production rollout, Persistent helps transform merchant risk management from a defensive control into a strategic growth enabler, strengthening compliance, reducing risk friction and supporting sustainable merchant growth.